AIUI, the hack is to enroll immediately but not pay. If you don’t need it, you can (usually) get the COBRA provider to leave nonpayment off your credit report

AIUI, the hack is to enroll immediately but not pay. If you don’t need it, you can (usually) get the COBRA provider to leave nonpayment off your credit report with a simple “You never sent me a bill”. If you do need it, well, you’re really going to need it because you’re going to have to pay the premiums plus whatever your co-insurance is.